Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·31 days on market

4745 Shirley Avenue

Jacksonville, FL 32210

$114,900$107/sqftEst. $613/moMLS# 2162635

↓ $10,000 below original list

Beds

Baths

1,070

Sq Ft

1949

Built

—

Garage

Pool

FEMA Zone XNo HOASingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Investor opportunity! This 3-bedroom, 1-bath home offers great potential for the right buyer. Bring your vision and creativity to transform this property into its full potential. Perfect for investors, renovators, or buyers looking for a project. Property is being sold AS IS. Don't miss the opportunity to add value and make it your own!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$613

Property taxesest. at asking price, Duval County$188

Estimated total, before insurance$801/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$114,900

Down Payment: 20%

$22,980

Interest Rate: 7.03%

Loan Term

Monthly Payment

$613

Principal & Interest: $613

Property taxes (est.): $188

Insurance (est.): $77

Estimated Total Monthly

$878

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1949)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,119 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Sep 8, 2026Price change$114,900−$10,000
Aug 30, 2026Listed$124,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$114,900

Price / Sq Ft$107

Bedrooms3

Bathrooms1.00

Full Baths1

Square Footage1,070

Year Built1949

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionFixer

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address4745 Shirley Avenue, Jacksonville, FL 32210

Area052-Lakeshore

SubdivisionLakeside Park

CityJacksonville

CountyDuval

StateFL

Zip Code32210

Parcel Number0933970000

Amenities

Community FeaturesStreet Lights

UtilitiesElectricity Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOff Street

Interior

AppliancesElectric Cooktop

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

FencingChain Link, Other

RoofShingle

Road SurfaceAsphalt

Additional Information

Date ListedAugust 31, 2026

Days on Market9

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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